ORDER

Sham Sunder, President - This appeal is directed against the order dated 12.6.2009, rendered by the District Consumer Disputes Redressal Forum-I, UT, Chandigarh (hereinafter to be called as the District Forum only), vide which it dismissed the complaint filed by the complainant (now appellant).

2. The facts, in brief, are that the complainant, for his personal requirement, to increase his efficiency and livelihood, took a loan of Rs. 70.00 lacs, from the OP, in the name of Goyal Builders Birbhan Goyal, on 31.12.2005, which was repayable in 36 equal monthly instalments of Rs. 2,22,599. The complainant paid all the 36 EMIs towards the said loan, as per the agreement, executed between the parties, but in spite of that the OP Bank arbitrarily increased the term of EMIs from 36 months to 38 months amounting to Rs. 2,22,599 each and directed the complainant, to send two new sets of PDCs each for Rs. 2,22,599, vide letter dated 22.11.2008 (Annx. C-2). It was further stated that the OP also sent a copy of the repayment schedule, Annx.C-3, vide which it arbitrarily added two more instalments. The matter was taken up with the OP, but it did not pay any heed. Ultimately, a legal notice da